XP Inc.

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Brazilian investment and financial-services platform serving retail, affluent, and institutional clients.

Last updated August 31, 2026

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Overview

XP Inc. is a Brazilian investment and financial-services company whose principal business is the distribution and management of investment products through a technology-enabled platform and a network of financial advisers. The company traces its origins to XP Investimentos CCTVM S.A., established in Porto Alegre in 2001 by Guilherme Benchimol and Marcelo Maisonnave as a business focused on independent investment agents. It subsequently expanded from advisory and brokerage activities into a broader financial-services group. The company’s offering includes fixed-income securities, equities, investment funds, private-pension products, wealth management, financial advisory, and related digital financial services. Its platform connects customers with investment products and advice, while its brokerage and distribution infrastructure supports transactions across several asset classes. XP’s business model is associated with the growth of independent financial advice and the wider shift of Brazilian investment activity toward digital platforms and open product distribution. XP Resource Management was created in 2005, adding an asset-management capability to the original business. The incorporation of Americainvest CCTVM Ltda. in 2007 helped XP Investimentos operate as a broker. The company then pursued a combination of acquisitions and partnerships to expand its product range, adviser network, customer base, and media reach. Transactions and announced combinations involving Interfloat, Senso Corretora, InfoMoney, Prime Corretora, Clear Corretora, and Rico Corretora were important steps in this expansion. XP’s principal market is Brazil, although the company has also developed an international footprint and maintains offices in São Paulo, Rio de Janeiro, New York, Miami, London, and Geneva. The platform serves Brazilian clients and supports access to a broad range of domestic and international financial products. Public descriptions of the business have highlighted a large base of active customers, thousands of connected investment advisers, and a substantial amount of client assets or assets in custody; these measures vary by reporting period and should not be treated as interchangeable. The company became publicly listed on Nasdaq in 2020 under the ticker XP. Its public-market identity reflects the transformation of XP from a small independent-agent operation into a large financial platform. In addition to its core investment business, the company has used brand partnerships and financial-education-oriented distribution to increase visibility. A notable example was its partnership with the Aston Martin Formula One Team around the 2022 São Paulo Grand Prix, under which XP was presented as the team’s official global financial-services partner. XP remains an active financial-services brand centered on investment access, advisory relationships, brokerage, asset management, and wealth services. Its competitive positioning combines technology, a broad product shelf, adviser distribution, and a consumer-facing brand aimed at making investing more accessible while also serving affluent and high-net-worth customers.

History

XP Inc. began in 2001 in Porto Alegre, Brazil, when Guilherme Benchimol and Marcelo Maisonnave created XP Investimentos CCTVM S.A. The original business was organized around independent investment agents, placing XP within the emerging Brazilian market for non-bank investment advice and distribution. Rather than remaining a small advisory operation, XP progressively assembled capabilities in investment management, brokerage, product distribution, and wealth services. In 2005, the company created XP Resource Management, extending its activities into resource and asset management. In 2007, the incorporation of Americainvest CCTVM Ltda. supported XP Investimentos’ development as a broker. This expansion gave the group a more complete role in the investment chain: it could provide advice, distribute products, and support transactions through its own brokerage infrastructure. The next phase relied significantly on acquisitions and combinations. In 2011, XP announced the acquisition of Interfloat and Senso Corretora. During the same year it formalized the purchase of InfoMoney, a financial-information and investment-content business that broadened XP’s reach among investors. In 2012, XP announced a combination with Prime Corretora. These moves helped the group broaden its distribution capabilities and connect investment services with financial information and customer education. In July 2014, XP announced the purchase of Clear Corretora for a reported US$90 million. Clear was associated with a more digital and self-directed brokerage proposition, complementing XP’s adviser-led model and strengthening the group’s presence across different investor segments. In December 2016, XP Investimentos announced that it had acquired Rico Corretora de Valores. Rico added another recognized retail-investing platform to the group and contributed to XP’s strategy of serving customers through multiple brands and channels. As the business developed, XP expanded beyond a traditional brokerage identity. Its activities came to include fixed-income securities, equities, investment funds, private pensions, wealth management, financial advice, and other digital financial services. Brazil remained the company’s central market, while international offices and operations in cities including New York, Miami, London, and Geneva gave the business an international presence. Public descriptions of the company have emphasized a large adviser network, millions of active customers, and significant client assets or assets in custody. XP became listed on Nasdaq in 2020 under the ticker XP. The listing was a defining milestone because it gave the company access to public capital markets and an international investor base. It also formalized XP’s identity as a large financial platform rather than solely a Brazilian brokerage or investment-advisory firm. The company has continued to invest in brand visibility and distribution. In 2022, Aston Martin Formula One Team announced XP as its official global financial-services partner at the São Paulo Grand Prix, linking the financial brand to an international sporting property. By the 2026 period cited in the available reference material, XP reported R$1.529 trillion in total client assets, 4.790 million active clients, and 18.3 thousand advisers connected to its platform. Those figures represent a particular reporting point and do not by themselves establish a permanent level of performance. Overall, XP’s history is defined by the combination of independent advice, brokerage, acquisitions, digital investment access, and a broadening financial-services platform.

2022
Aston Martin Formula One partnership
[1]XP Inc.en.wikipedia.org
XP becomes Aston Martin Formula One Team’s official global financial-services partner at the São Paulo Grand Prix.
2020
Nasdaq listing
[1]XP Inc.en.wikipedia.org
XP Inc. becomes publicly traded on Nasdaq under the ticker XP.
2016
Rico Corretora acquisition announced
[1]XP Inc.en.wikipedia.org
XP Investimentos announces the acquisition of Rico Corretora de Valores, expanding its retail investment presence.
2014
Clear Corretora acquisition announced
[1]XP Inc.en.wikipedia.org
XP announces the purchase of Clear Corretora for a reported US$90 million.
2012
Combination with Prime Corretora
[1]XP Inc.en.wikipedia.org
XP announces that it is joining forces with Prime Corretora.
2011
Interfloat, Senso Corretora, and InfoMoney transactions
[1]XP Inc.en.wikipedia.org
XP announces the acquisition of Interfloat and Senso Corretora and formalizes the purchase of InfoMoney later in the year.
2007
XP develops its brokerage business
[1]XP Inc.en.wikipedia.org
The incorporation of Americainvest CCTVM Ltda. supports XP Investimentos’ operation as a broker.
2005
XP Resource Management is created
[1]XP Inc.en.wikipedia.org
XP expands into resource and investment management through the creation of XP Resource Management.
2001
XP Investimentos is founded
[1]XP Inc.en.wikipedia.org
Guilherme Benchimol and Marcelo Maisonnave establish XP Investimentos CCTVM S.A. in Porto Alegre as a company focused on independent investment agents.

Products and positioning

A technology-enabled Brazilian investment platform combining brokerage, open investment-product distribution, financial advice, asset management, and wealth services for retail, affluent, and institutional customers.

Investment platform · 2001
XP Investimentos platform
XP’s core investment platform connects customers with a broad range of financial products and services. It supports investment access, brokerage-related activity, advisory relationships, and wealth services, combining digital interfaces with distribution through independent financial advisers.
Brokerage · 2007
Brokerage services
XP’s brokerage business supports transactions and distribution across products such as equities, fixed-income securities, and investment funds. The brokerage capability became more prominent after the company’s expansion into broker operations and subsequent acquisitions.
Investment products
Fixed-income investments
The platform distributes fixed-income products as part of its broader investment menu. These offerings sit alongside equities, funds, and private-pension products and are available through XP’s digital and adviser-supported investment channels.
Investment products
Investment funds
XP provides access to investment funds through its platform, giving customers exposure to professionally managed portfolios and multiple investment strategies. Funds form part of the company’s open investment-product distribution model.
Retirement products
Private-pension products
Private-pension products are included among XP’s investment offerings, extending the platform beyond trading and short-term investment products into longer-term retirement and wealth-planning needs.
Wealth services
Wealth management and advisory
XP provides wealth-management and financial-advisory services through its platform and adviser network. These services are particularly relevant to affluent customers requiring portfolio construction, product selection, and ongoing investment guidance.
Brokerage brand
Clear Corretora
Clear Corretora became part of XP following the acquisition announced in 2014. It strengthened XP’s reach among digitally oriented and self-directed investors and complemented the group’s adviser-led distribution model.
Retail investment brand
Rico
Rico Corretora de Valores was acquired by XP in an announcement made in 2016. The Rico brand broadened XP’s retail-investing presence and gave the group another channel for serving customers seeking accessible digital investment services.

Marketing campaigns

2022Aston Martin Formula One Team partnership
Brazil · International
XP partnered with the Aston Martin Formula One Team as its official global financial-services partner in connection with the 2022 São Paulo Grand Prix. The partnership associated XP with an internationally visible sporting property and supported the brand’s international financial-services positioning.
Outcome. Partnership announced; broader commercial results are not specified in the available source material.
Source

Brand decisions

2020
Nasdaq public listingOther
Background
XP had developed from an independent-agent business into a large Brazilian investment and financial-services platform.
Action taken
XP Inc. listed its shares on Nasdaq under the ticker XP.
Aftermath
The listing gave XP a public-market identity and access to an international investor base.
Source
2016
Acquisition of Rico Corretora de ValoresM&A
Background
XP was broadening its presence in retail investment distribution and digital brokerage.
Action taken
XP Investimentos announced the acquisition of Rico Corretora de Valores.
Aftermath
Rico became part of XP’s multi-brand investment platform and strengthened its access to retail investors.
Source
2014
Acquisition of Clear CorretoraM&A
Background
XP was expanding its brokerage and digital distribution capabilities through acquisitions.
Action taken
XP announced the purchase of Clear Corretora for a reported US$90 million.
Aftermath
The transaction broadened XP’s brokerage portfolio and complemented its adviser-led investment platform with a more digitally oriented brokerage brand.
Reported acquisition consideration. US$90 million transaction value (2014 announcement)
Source

Recent events

2026
XP reports expanded client and adviser scale[1]XP Inc.en.wikipedia.org
Other
A cited company update reported total client assets of R$1.529 trillion, 4.790 million active clients, and 18.3 thousand advisers connected to the platform. The figures are period-specific and should be read in the context of the company’s reporting date.
2022
XP partners with Aston Martin Formula One Team[1]XP Inc.en.wikipedia.org
Campaign
Aston Martin Formula One Team announced XP as its official global financial-services partner in connection with the 2022 São Paulo Grand Prix.
2020
XP lists on Nasdaq[1]XP Inc.en.wikipedia.org
Other
XP Inc. became a publicly traded company on Nasdaq under the ticker XP, marking a major transition from privately held Brazilian investment platform to international public company.

Sources6 sources

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